Royal Heritage Commercial Bank Platinum Mastercard® with Rewards Credit Card

† Summary of Terms can be accessed here

Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card Rewards & Benefits brochure can be accessed here

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an Account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

1 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn one (1) point per dollar on all new purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card must be open and in good standing in order to earn points.

2 The information about the costs and benefits of the cards described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.485.1794. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening.
After the Introductory Period, a variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card. The variable Cash APR of 27.24% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

3 All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, Royal Heritage Commercial Bank , N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice

4 Customers can choose to receive cash back redemptions as a direct deposit or as a statement credit on their Royal Heritage Commercial Bank Credit Card. If you select cash back as a direct deposit, only
Royal Heritage Commercial Bank , N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible. See the Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure for further details

5 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard®, or Royal Heritage Commercial Bank , N.A. See the Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure for full details.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments). 

Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card is issued by Royal Heritage Commercial Bank , N.A., subject to credit approval.

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